What if I need to break my lock on my home loan? November 25, 2020 16:43 Updated You are free to withdraw your SoFi Home Loan application and break your lock at any time. There is no fee for doing so Related articles What if my lock expires before my home loan is complete? I need to make changes to my home loan application and can’t. My first home loan payment is due, but I don’t know where to make my payment?